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Vitality Apple Watch Series 9 reward 2023

Get your Apple Watch Series 9 from only £39 upfront with Vitality Health and Life Insurance for you and your whole family. Take out a qualifying Defaqto 5 Star rated health or life insurance policy with Vitality and start earning rewards today.

Get An Apple Watch Series 9 And Save Money On Your Life And Health Insurance*

Earn AMAZING rewards including Apple Watch Series 9 from £39 upfront and nothing more to pay when you keep active

This October you can now claim your very own Apple Watch Series 9 when you take out award winning Vitality Health insurance or Life insurance. Full details including T&Cs to follow when the Vitality Apple Watch Series 9 deal is officially launched in the UK.

Here’s how to claim your Apple Watch Series 9 reward and loads of other amazing rewards with Vitality.

A picture of a stopwatch

60-Second Summary – Vitality Health Apple Watch Series 9 offer

Apple Watch has been a reward partner with Vitality Health and Life insurance policies for several years. New and existing policyholders can claim one Apple Watch per qualifying Health insurance or Life insurance plan.

  • Take out a new Health insurance or Life insurance policy with Vitality (Health insurance from £38 and Life insurance from £49.75 per month)
  • Register for Vitality rewards on your member zone area or using the Vitality App
  • Apply for your Apple Watch Series 9 (Etika Finance UK Ltd. credit agreement)
  • Link up your Apple Watch to your Vitality member zone to start earning points
  • Record your daily activity (e.g. Steps, exercise, or gym visits)
  • Earn amazing discounts and rewards with other Vitality Health insurance or Life insurance partners (e.g. Pure Gym, Nuffield Health, Expedia, American Express, Café Nero, Vue Cinemas, Odeon, Amazon Prime, Runners Need and Specialized Bikes)

T&Cs – Vitality Health and Life Insurance offers Apple Watch Series 9 on a 36 month (0% APR) consumer credit agreement with Etika Finance UK Ltd. Based on Apple Series 8 RRP. £419 (price will vary depending on model), you would pay from £0 to £9.50 per month depending on your activity and engagement (see below).

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It’s pretty simple, when you take out any Vitality Health Insurance (personal or business) policy with a premium more than £38 per month, you can claim your Apple Watch Series 9.

Private health insurance just got so much better and more affordable thanks to Vitality Health discounts and rewards. Take out a new health insurance plan over £38 per month and get Defaqto 5 Star rated cover with so much more.

How does the Apple Watch Series 9 deal work (Vitality Health)?

  • Sign up to Vitality Health (individual, family, or business)
  • Register on your Vitality member zone
  • Apply for your Apple Watch Series 9 reward*
  • Start to earn points every day with your new Apple Watch**
  • Claim your Vitality Health Insurance rewards

* You can apply for your Vitality Health Insurance Apple Watch finance through your member zone individual login. Your Apple Watch credit agreement will be a 36 month 0% APR through Etika Finance Ltd. (subject to approval and satisfactory credit check). See options below for your choice of Apple Watch Series 9 or Apple Watch SE from £259.

** If you stay active and then you could pay £0 for the remaining 36 month agreement of your Apple Watch. People who don’t stay active can pay up to £9.50 per month depending on your Apple Watch model.

You can also claim your Apple Watch Series 9 when you take out a Vitality Life insurance policy (minimum premium £45 plus £4.75 Vitality rewards fee) or Serious Illness Cover and Income Protection Insurance.

Life insurance is the most affordable way to protect you and your family if you die or if you become ill. Taking out life insurance with Vitality also includes discounts and rewards that helps to reduce the cost of cover with some amazing benefits.

How does the Apple Watch Series 9 deal work (Vitality Life)?

  • Sign up to Vitality Life (inc. life insurance, serious illness cover and income protection insurance)
  • Register on your Vitality member zone
  • Apply for your Apple Watch Series 9 reward*
  • Start to earn points every day with your new Apple Watch**
  • Claim your Vitality Life Insurance rewards

* You can apply for your Vitality Life Insurance Apple Watch finance through your member zone individual login. Your Apple Watch credit agreement will be a 36 month 0% APR through Etika Finance Ltd. (subject to approval and satisfactory credit check). See options below for your choice of Apple Watch Series 9 or Apple Watch SE from £259.

** If you stay active and then you could pay £0 for the remaining 36 month agreement of your Apple Watch. People who don’t stay active can pay up to £9.50 per month depending on your Apple Watch model.

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Here are some of the key points that you need to think about and remember when you apply for the Vitality Apple Watch Series 9 promotion.

  • Credit agreement with Etika Finance Ltd. (36 month 0% APR)
  • Your Apple Watch Series 9 will be paid via a 36 month (0% APR) credit agreement from Etika Finance Ltd. and is subject to a satisfactory credit check. If you are not approved for the credit agreement then you would not be eligible for the Apple Watch Series 9 offer.

  • Repayments are based on activity and exercise (£0 to £9.50 per month)
  • Vitality Health and Life Insurance rewards are based on your levels of engagement from daily recorded steps or exercise. Members who are very active (e.g. 12,500 steps or 30 minutes exercise per day) will pay £0 for the Apple Watch Series 9 and earn Platinum status. Members that are not active (e.g. under 7,500 steps or 0 minutes of exercise per day) will pay up to £9.50 per day (depending on model of Apple Watch).

  • You must register your activity using your wearable device (e.g. Apple Watch, Garmin, Fitbit, Samsung or Polar)
  • There is a list of approved wearable devices that can be linked to your Vitality member zone and used to record your daily activity. If you fail to record your activity or if your device is not linked up properly, then your points will not be added. Approved devices include:

    • Apple Watch
    • Garmin
    • Samsung
    • Fitbit
    • Polar

    If you have an existing approved wearable device then you can use this to earn points and rewards with your new Vitality member zone.

  • Apple Watch requires an Apple iPhone or Apple device to work
  • You will need an Apple iPhone or iPad with the relevant Apple Health app to be able to record your activity and link to your Vitality member zone. If you don’t have an appropriate or compatible device then you will not be able to record or upload your activity points.

  • One Apple Watch Series 9 for each policy or plan
  • When you take out a family or joint Health insurance or Life insurance with Vitality you will be able to claim one Apple Watch for the main policyholder (or person named on the policy). You can claim discounts on other devices (e.g. Garmin, Polar, Fitbit or Samsung) for supplementary policyholders or members for a joint or family policy.

  • If you’re not active or you don’t want to record activity then this might not be for you
  • Vitality Health and Life insurance rewards works best when members engage in regular activity (e.g. steps or exercise) and record these on their wearable device. If you’re not active or if you simply don’t want to record your daily activity, then this might not be the best option for you. There are plenty of alternative insurance options and providers to choose from that might be better suited for your lifestyle.

    Price Match Promise

    Your repayments on the Apple Watch device with Vitality Health and Life insurance are based on your daily activity. In simple terms, the more active you are then the less you would pay each month for your Apple Watch… here’s how it works:

    A woman running

    Super Active (12,500 steps in a day five times per week)

    Over 160 points per month (12,500 steps per day or 30 minutes exercise) 5 times per week and every week. You earn 8pts. per day to get maximum points (40pts per week) depending on your activity levels and people who are super active will pay £0 extra for their Apple Watch device.

    Apple Watch Series 8 – Earn 160pts. per month and Vitality will pay £9.50 towards your repayments and you’ll pay £0 per month.

    Apple Watch SE – Earn 160pts. per month and Vitality will pay £7.00 towards your repayments and you’ll pay £0 per month.

    A woman lifting weights

    Very Active (12,500 steps in a day four times per week)

    If you earn between 120 and 159pts. per month for a relatively high level of weekly activity then you would pay £2 per month towards your Apple Watch device. It’s not always possible to earn maximum points and you might have the odd month when your activity levels aren’t 100%.

    Apple Watch Series 8 – Earn 120 to 159pts. per month and Vitality will pay £7.50 towards your repayments and you’ll pay £2 per month.

    Apple Watch SE – Earn 120 to 159pts. per month and Vitality will pay £5.00 towards your repayments and you’ll pay £2 per month.

    A woman doing lunges

    Active (10,000 steps in a day five times per week)

    Someone with a fairly average level of daily activity will earn between 80 and 119 points per month on their Vitality member zone. In this situation you would contribute slightly more towards your device depending on your Apple Watch model.

    Apple Watch Series 8 – Earn 80 to 119pts. per month and Vitality will pay £5.00 towards your repayments and you’ll pay £4.50 per month.

    Apple Watch SE – Earn 80 to 119pts. per month and Vitality will pay £3.50 towards your repayments and you’ll pay £3.50 per month.

    A woman doing lunges

    Moderately Active (10,000 steps in a day four times per week)

    Some members might not be able to complete enough daily or weekly activity to get as many points as they’d like. If you are moderately active then you would generally earn between 40 and 79pts. per month and would pay slightly more for your Apple Watch device.

    Apple Watch Series 8 – Earn 40 to 79pts. per month and Vitality will pay £2.50 towards your repayments and you’ll pay £7.00 per month.

    Apple Watch SE – Earn 40 to 79pts. per month and Vitality will pay £2.00 towards your repayments and you’ll pay £5.00 per month.

    A woman walking

    Not Active (10,000 steps in a day twice per week)

    If you don’t do much regular exercise and you can’t get up to 7,500 steps per day then you’ll usually earn under 38pts. per month. This means that you would end up having to pay the full repayment for your Apple Watch device per month and have £0 contribution from Vitality.

    Apple Watch Series 8 – Earn 0 to 39pts. per month and Vitality will pay £0 towards your repayments and you’ll pay £9.50 per month.

    Apple Watch SE – Earn 0 to 39pts. per month and Vitality will pay £0 towards your repayments and you’ll pay £7.00 per month.

    Can I cancel my Vitality Health or Life insurance policy?

    Yes, you can cancel your Vitality policy or plan at any point and you will have no penalty to pay for cancellation. You need to remember that you would no longer be able to earn Vitality active rewards points and you will need to continue to make full repayments towards your Apple Watch device. Your cover will also stop as soon as you cancel your policy with Vitality.

    What happens if I can’t afford my repayments?

    If you are experiencing financial difficulty then you should contact Vitality in the first instance and Etika Finance Ltd. to discuss repayment options. Vitality will often offer a repayment plan to make up any missed premiums and give you the opportunity to continue your cover with them.

    What do I do if my points aren’t showing on my Vitality member zone?

    You should contact Vitality customer support (https://www.vitality.co.uk/contact/vitality-points/) to find out why your points are not being recorded or uploaded to your member zone. You can also visit the support section on the Vitality website for guides on connecting your activity tracking device (https://www.vitality.co.uk/support/activity-trackers/).

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    Is it worth paying for life insurance?

    Yes, if you’ve got children or financial dependents then you should have life insurance to protect them if you die. Martin Lewis and the Financial Conduct Authority recommend that you take out life insurance to protect your family and your home. Generally, life insurance premiums start from as little as £5 per month and will be cheaper for younger adults.

    Common myths about life insurance:

    • Life insurance won’t pay out (pays out 98% of claims)
    • People with medical conditions can’t have life insurance
    • Life insurance is expensive
    • Savings can be just as effective as life insurance
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    Is life insurance worth it? - iam|INSURED

    What is the average cost of life insurance per month?

    Based on recent research carried out, the average cost of life insurance is approximately £38 per month and the average level of cover is £152,000. Life insurance premiums also vary dramatically from one insurance provider to another and you can reduce your monthly premiums by shopping around.

    Fundamentally, life insurance premiums vary depending on your age, health and the amount of cover that you need, starting from as little as £5 per month. You can also get life insurance to protect your family and your home against financial loss if you die.

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    Average cost of life insurance - iam|INSURED

    What does life insurance cover you for?

    Life insurance is a monthly renewable ‘term insurance’ contract that pays out a cash lump sum or regular payments on death to your family or beneficiaries. Policies are most commonly used for family protection or mortgage protection for your loved ones if you die and your household income reduces, plus the additional issues of losing a parent or carer.

    Traditional life insurance will not exclude any pre-existing medical conditions and will cover suicide after 12 or 24 months. You can also use life insurance for business protection purposes as well as tax-efficient business life insurance for directors or key people.

    What are the disadvantages of life insurance?

    The biggest and most common problem that consumers have with life insurance is the cost and the monthly premiums. This is the top reason for policy cancellations and why more people don’t take out life insurance to protect their family.

    Another key disadvantage with life insurance is that it holds no investment value, nor can you cash it in. Life insurance works like any other traditional general insurance policy (e.g. car insurance, house insurance, pet insurance etc.), you pay a monthly premium and it will pay out in the event of a claim. Some people decide to use savings instead of taking out life insurance but you need to make sure that you have sufficient savings to cover the costs of death for your family.

    Why do I need life insurance?

    The fact is that nobody actually ‘needs’ life insurance, but it is strongly recommended that families and couples have cover to protect their loved ones in the event of death. Martin Lewis recommends life insurance and says “this is something that every parent, partner, or person with any other type of dependent needs to consider”.

    Life insurance financially protects your loved ones if you die and pays out a cash lump sum to repay your mortgage, pay for school fees, replace lost income, and pay for regular outgoings. Mortgage life insurance is not linked to your mortgage debt so you can use it to pay off some or all of your mortgage.

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